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Ask your loan officer about all options and about low fixed rates. Actual interest rates and terms available will vary based on individual credit qualifications including credit history, income, loan to value, property type and location and other factors.

FHA Loan Programs for 2023

The most recognized 3.5% down payment mortgage in the country. Affordable payments w/good credit.

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NOTICE: Some FHA mortgage lenders are substantially raising FICO score requirements during the Coronavirus crisis, even though FHA minimums remain unchanged.

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FHA.com is a privately owned website, is not a government agency, and does not make loans.
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First-Time Homebuyers
FHA.com is a privately owned website, is not a government agency, and does not make loans.
FHA Loan Limits
Mortgage Insurance
FHA Credit Issues
FHA Closing Costs
Credit Requirements
Good Credit Benefits
Improve Your Credit
Credit Report Errors
Ability to Borrow
Loan Affordability
Payment Calculator
Streamline Refinance
Cash-out Refinance
Simple Refinance
Rehabilitation Loan
Construction Loans
OTC Buyer Benefits
OTC Builder Benefits
Build on Your Own Lot
FHA Fixed Rate
FHA ARM
Condominium Loans
Jumbo Loans
Credit Qualifications
FHA Requirements
FHA Closing Costs
Fair Housing Act

Rates Disclosure

April 1, 2023

Ask your loan officer about all options and about low fixed rates. Actual interest rates and terms available will vary based on individual credit qualifications including credit history, income, loan to value, property type and location and other factors. FHA.com is publisher of mortgage information. FHA.com is not a lender and does not make loans.

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The FHA Loan is the type of mortgage most commonly used by first-time homebuyers and there's plenty of good reasons why.

FHA Loan Guide
Learn About FHA Requirements!

FHA.com is a privately-owned website that is not affiliated with the U.S. government. Remember, the FHA does not make home loans. They insure the FHA loans that we can assist you in getting. FHA.com is a private corporation and does not make loans.

FHA Loan Limits
MIP Information
FHA Closing Costs
FHA Debt Ratios
FHA Credit Issues
Loan Checklist
A good FICO score is key to getting a good rate on your FHA home loan.
FHA Requirements
Credit Benefits
Improving Credit
Be smart when it comes to your FHA loan and your financial future.
Ability to Borrow
Loan Affordability
Loan Payments
Streamline Refi
Cash-out Refi
Rehab Loan
Simple Refi
FHA Reverse
This program lets buyers get a single loan with just one closing.
Construction Loan
Buyer Benefits
Builder Benefits
Build on Your Land
FHA Fixed Rate
FHA ARM
FHA Jumbo Loans
Condo Loans

Important FHA Terms

Important FHA Terms

FHA Down Payments

FHA Down Payments

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Common FHA Questions and Answers

Common FHA Questions

Purchase or refinance your home with an FHA loan. You can get one with a down payment as low as 3.5%. Browse through our frequent homebuyer questions to learn the ins and outs of this government backed loan program.

Go To Questions
Learn About FHA Loans!